Alliance Data Card Services

2017-03-06

FL

Late fee

Credit card:

Complaint: PayPal Credit Card charged me a {$35.00} fee on XX/XX/2017 for a late payment. On XX/XX/XXXX, I tried 4 separate times to make a payment through their website, was told it was " unavailable for maintenance '' after logging in. The automated phone system rang busy for 15-20 minutes at a time. I was able
Company Response: Closed with explanation

Disputed: No Timely Response

2017-03-05

Talleyville, DE

Customer service / Customer relations

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2017-03-04

Fort Pierce, FL

Disclosure verification of debt

Debt collection: I do not know

Not given enough info to verify debt
Company Response: Closed with explanation

Disputed: No Timely Response

2017-03-04

Newnan, GA

Billing disputes

Credit card:

Complaint: In XX/XX/2016, I ordered XXXX dog pillows from XXXX online. The items were returned because it was not what I expected. I paid out of pocket to have the items returned because I did not want the credit card ( Comenity Bank ) to be charged. This transpired less the 10 days from initial order. The credit card sent me a bill because XXXX did not report to the credit card the items where returned within the time so not to get a charge from the credit card. I was not successful when I tried to get this error resolved. Comenity Bank representative advise me to pay them although I did not have the items. This situation is very discouraging because I returned the items within the time so the credit card would not be charge, as well as the credit card fees for items that where returned.
Company Response: Closed with monetary relief

Disputed: No Timely Response

2017-03-04

Norwalk, CA

Balance transfer

Credit card:

Complaint: On XXXX last year, I had requested for balance transfer {$1700.00} from XXXX CARDS ( Card Services ) to COMENITY -Total Rewards Visa Card as you will see at the attachment FCC XXXX ( XXXX ). But it does not go through until now. I did contact Customer Services at XXXX CARDS ( Card Services ), and they told me that they never receive any check with the amount {$1700.00} from COMENITY-Total Rewards Visa Card as attachments FCC 001 ( XXXX TO XXXX ) from XX/XX/XXXX to XX/XX/XXXX. I did contact Customer Services at COMENITY-Total Rewards Visa Card at XXXX, and talked to a lot of persons, such as : XXXX, she is Supervisor of Resolution Dept., and her ID # XXXX on XX/XX/XXXX at XXXX PM ( PST ). Next, XXXX, her ID # XXXX at Customer Care Dept. on XX/XX/XXXX at XXXX ( XXXX ). Last, XXXX, her ID # XXXX, she is the Account Manager on XX/XX/XXXX at XXXX ( XXXX ) .Both of them understood the problem, and they told me that they will ask Customer Care Team to dispute or stop the amount {$1700.00}, and credit back to my account plus {$17.00} for transaction fee, total amount should be credited back to my account is {$1700.00}. But this person, XXXX, who is XXXX Representative at Customer Care Team did not understand, or did not want to credit back to my account, he sent me a lot of letter, and tried to confuse me by linking to other amount as you will see at the attachment FCC 001 ( 5 ). I did not ask them to dispute or stop {$1700.00} to XXXX as attachment FCC 001 ( 6 ). The corrected remaining balance should be {$1500.00} after crediting {$1700.00} plus {$99.00} ( XXXX payments from XX/XX/XXXX to XX/XX/XXXX ). It is not {$3400.00} as attachment FCC 001 ( 7 ). I am very frustrated about this COMENITY-Total Rewards Visa Card. Please help to me solve this matter. Regards, XXXX
Company Response: Closed with monetary relief

Disputed: Yes Timely Response

2017-03-04

MO

False statements or representation

Debt collection: Credit card

Attempted to collect wrong amount
Complaint: There is a creditor on my XXXX credit report from XXXX that is a closed account. That continues to report past due. Their is nothing owed on the account and no past due amount, but it continues to report past due.
Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2017-03-03

North Kortright, NY

Identity theft / Fraud / Embezzlement

Credit card:

Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2017-03-03

Dallas, TX

Identity theft / Fraud / Embezzlement

Credit card:

Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2017-03-03

Dallas, TX

Other transaction issues

Money transfers: Domestic (US) money transfer

Complaint: I paid {$420.00} for a retreat, but immediately attempted to cancel it ( within the hour ), through PayPal. The reason for the cancellation was because certain details about the event made it difficult for me to attend. These details were revealed only *after* payment was made. I spoke to Paypal who suggested that I speak with the merchant about getting a refund. Through email correspondence, the Merchant agreed to a full refund. I provided Paypal proof of the email conservations I had with the merchant, granting full refund of {$420.00} but to this day, PP has refused to honor the refund. In addition, the purchase should have been eligible according to PP Buyer Protection refund policy. Also, the immediacy of my dispute was way in advance of the event and should not have posed an issue with PayPal or the merchant to reolve the issue. If anything, the transaction could have easily been written off as an incomplete. As clearly shown in email correspondance, the Merchant recognized that leaving out certain event scheduling details, could mislead customers and therefore, in my case, became an unusable product. I used PayPal for such transactions as a way to provide me with protection and resolve any disputes. I expect this amount to be refunded and retrieved from the vendor or PayPal in a timely manner. Thanks in advance for CFPB 's assistance.
Company Response: Closed with explanation

Disputed: No Timely Response

2017-03-03

Rncho Domingz, CA

Communication tactics

Debt collection: Credit card

Threatened to take legal action
Complaint: This company keeps calling my employment after i had told them they are causing distress they have spoken to various people in my company asking to speak to my manager about a debt i owe. Once they said they were serving me papers and i told them ok she said to meet her at my house i called her because she never showed up she said she was n't going to then XXXX said he would serve me papers in front of everyone at work instead so i better make a payment arrangement otherwise they will serve i said please serve me to stop the harassing phone calls and everyone in my place of employment being harassed by their phone calls.
Company Response: Closed with explanation

Disputed: No Timely Response

2017-03-03

NJ

APR or interest rate

Credit card:

Complaint: Had a commenity BJs perks card used mostly at BJs and paid in full every month. Was offered interest free for a year to move any balances to this account. I still pay my new charges off each month plus the minimum payment and they are charging interest every single month. They are saying that I have XXXX separate balances for charges in BJs and outside of BJs ( almost never happens ) and they are charging 14.99 % for outside purchases and 6.99 % for BJs purchase, but I pay the bill in full every month and on time, if not early.
Company Response: Closed with monetary relief

Disputed: No Timely Response

2017-03-03

Fort Worth, TX

Delinquent account

Credit card:

Complaint: This company is using I guess a dialing system they are calling from all different kind of numbers and its practice is going against FDCPA rules. I have been called from XXXX XX/XX/XXXX 8 times in 1 day some of them are back to back as of right now filling this form out at XXXX cst no telling how many more I will get till XXXX. XX/XX/XXXX 10 times in one day. XX/XX/XXXX 5 time in one day. XX/XX/XXXX 7 times in one day. XX/XX/XXXX 11 times in another day. XX/XX/XXXX 5 times in one day. I also have a log for a message for XXXX nothing is said. I have them all on my cell phone log for records. I am also begin called from XXXX nothing too bad with this number no more than 4 times. XXXX 9 times in one day. 6 times in one day. 5 times in one day. XXXX nothing more than 2 times a day. XXXX nothing more than 2 times a day. XXXX nothing more than 2 times a day. This is harassment in the highest level.I feel this company ca n't call you repeatedly or continuously to harass, abuse, or annoy me.
Company Response: Closed with non-monetary relief

Disputed: Yes Timely Response

2017-03-03

APR or interest rate

Credit card:

Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2017-03-03

Occoquan, VA

Customer service / Customer relations

Credit card:

Complaint: To Whom It May Concern : Re : Pay Pal Credit, I called in to the PayPal Center to make payment and had a dispute with a Pay Pal Representative on XX/XX/XXXX. I was assigned a payment plan previously that the rep did not want discuss or acknowledge ; she stated the account is due in full and my reply was, " I am under a payment and I kept stating that fact '' with no acknowledgement from the representative. I also asked the question of why is the account still occurring late fee charge and I explained the difficulty of getting the account caught up. The Pay Pal Representative stated, " She would place a cease and desist on the account, '' and I shouted at her, I did not ask you to take that type of action and I hung up the phone, due to the my irritation with the caller. Secondly, I did not request a cease and desist any time during any calls I have been apart of with your establishment. On XX/XX/XXXX, I called in again, to make a payment on the payment plan account. I was transfer six times and my waited time was over 45 minutes. Finally, I reached the collections department, at around XXXX and a Pay Pal representative spoke with me and insisted she could not discuss the circumstances of the account. Your establishment also told me that no type of payment is acceptable at his time and no details of my account are open for discussion. My phone log for my home telephone has recorded that from the time frame of XX/XX/XXXX - XX/XX/XXXX, I have been contacted by Pay Pal a 104 times regarding this account. Most of the time I am talking to individuals who do not have a clue of what is going on or how to assist me. In addition, I have two months in which you phone attendants contacted my home on an average of 28-29 times on two separate months. As for my cell phone from the time of XX/XX/XXXX - XX/XX/XXXX, my cell phone logs has registered 92 times with calls from Pay Pal. I learned of the account closure when I received my XX/XX/XXXX statement. The XX/XX/XXXX statement revealed a balance of {$2700.00} and account closure but now the statement reads for XX/XX/XXXX, the amount of XXXX which is incorrect due to PayPal closing the account. I have asked for this information on numerous occasions and like many times before ; I was referred to the website instead of speaking to a live person in order to gain some understanding. I assume I have approximately {$250.00} to {$350.00} dollars in late fees added to my account over the past 6 months. However, even though I am not allowed to make a payment to the account and the account is close ; PayPal is still applying fees to the balance. My intentions are to set up some type arrangement to eliminate this debt. Please contact me via mail regarding this issues at your earliest and we can resolve this matter. I will file a complaint due to the treatment and harassment I have received. I am not satisfied with the Pay Pal Credit Service or customer service procedures received over the past six months, in which I have received over 196 calls on this account and each call allowed me to speak to a different account rep with different instructions about 50 % of the time on all calls received. My intentions with Pay Pal Credit are to establish timely payments and eventually close the Pay Pal Credit account. I would like to thank you for your time and cooperation with this matter. Sincerely,
Company Response: Closed with explanation

Disputed: No Timely Response

2017-03-03

Tarzana, CA

Communication tactics

Debt collection: Credit card

Frequent or repeated calls
Complaint: The fdcpa clearly states that harrasment aka calling repeatedly to collect a debt is against their policy, which is exactly what is happening to me, I would like to report that commenity bank is using harassing collection methods, and I have proof on my call list the amount of times a day I get called.
Company Response: Closed with non-monetary relief

Disputed: Yes Timely Response

2017-03-02

Jacksonville, FL

Communication tactics

Debt collection: Credit card

Frequent or repeated calls
Complaint: I am getting calls from an "unknown" number and when I answer they hang up and call one more time. It's always two calls in about 5 minute intervals.This has been happening for roughly 3 weeks now and recently when I answer the second call they tell me who they are calling for.
Company Response: Closed with explanation

Disputed: No Timely Response

2017-03-02

Addison, IL

Other

Credit card:

Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2017-03-02

NH

Identity theft / Fraud / Embezzlement

Credit card:

Complaint: I applied for and was approved for a credit card with XXXX XXXX ( Commenity Bank ). I was not provided the terms and conditions at the store, being told they would be sent to me in the mail with my card. I did not receive the card, the terms and conditions or my first billing invoice. I only received the second invoice which listed a 27 % interest rate, a late fee and a monthly {$2.00} minimum activity fee. I called and immediately closed the account and authorized full payment of the account balance through the automated system. This amount was not deducted from my account, but instead a {$37.00} late fee was added and the account marked late on my credit report. I attempted to corrected this with Commenity but was told they they would not remove this incorrect information because they attempted to contact me through a phone number that I never had.
Company Response: Closed with monetary relief

Disputed: Yes Timely Response

2017-03-02

Black Jack, MO

Credit line increase/decrease

Credit card:

Complaint: I have requested a credit limit increase last month and never received any documentation regarding the decision. I called today to figure out why I havent been notified. I was transferred around at least 4 times before getting an answer. The representative stated the letters was never pushed through per recorded phone call. He stated I have a technicality as to why nothing has happened. He gave me a hint and stated the reason I have not got a credit limit increase is because of my Identity Theft Alert on my credit that is placed for 90 days. Even though i still should of been notified. I was then put back in the que and got a Manager on Duty XXXX. I explained to her that there is a Identity alert and the protocol is to call me at the number on file before granting credit to verify it is me. I have not been ntofied and Victoria secret is not following proper protocols regarding limit increases and I will take this matter to legal if needed. Victoria secret is lying about the letters that was supposed to be sent out. If legal action is taken, the post office can confirm nothing was handled by them to get delivered to my address.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2017-03-01

Bedford, OH

Customer service / Customer relations

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2017-03-01

Colver, PA

Payoff process

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2017-03-01

Bedford, OH

Customer service / Customer relations

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2017-03-01

Boston, MA

Billing disputes

Credit card:

Complaint: I went to a company ( XXXX ) for a medical issue that my doctor said was my last resort to avoid the XXXX I had to endure almost monthly. However, the company went bankrupt and gave their contracts to another company to which their lawyers sent out a letter to opt out of the next company and i did. Considering i felt as though it was a scam. I told Comenity that I opted out and they were bankrupt, they told me to go to the other company and try to get a refund. I tried multiple times to get info and refund or even get a location as to where that location was located. After talking to comenity for months telling them I could n't get a hold of anyone or get a refund with multiple disputes, they tell me to go down to the office that is located in the exact spot where I was getting XXXX before ( Am I they only person who sees scam? ). I get in my car and drive down there immediately only to find out that company is bankrupt as well. Comenity, now informs me to send a fax of all my XXXX history. I sent them a fax on XX/XX/2016 stating my contract was special due to my medical issue. That the usual contract was for XXXX treatments, I was allowed unlimited if my XXXX back and that due to XXXX I was able to get XXXX 3 times on other areas, but only once on the area i went in for in the first place, because you ca n't shoot lasers into an open wound. I got a letter back saying that I did n't put in the number of treatments. To which I went to their XXXX page livid asking if they were capable of reading. I got a number to escalated customer service explained the fax and a woman wrote in my exact details of the issue explaining why my issue was not cut a dry. I thought the issue would finally get resolved, but they closed the dispute, said I have to pay and the only way now to open a dispute is to write them a letter and find a copy of my contract from XXXX, that has now been chapter XXXX for over a year.
Company Response: Closed with monetary relief

Disputed: No Timely Response

2017-03-01

Sacramento, CA

Billing disputes

Credit card:

Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2017-03-01

Grand Island, NY

Disclosure verification of debt

Debt collection: Credit card

Right to dispute notice not received
Complaint: I filed my taxes on XX/XX/XXXX, thinking I had all my papers in order. I felt the time limit for all papers, that showed taxable income was supposed to be sent to the consumer was by the end of XX/XX/XXXX I received a XXXX, from PayPal { XXXX } XXXX XXXX, XXXX. XXXX XXXX royal XXXX, XXXX. XXXX stating {$1200.00} of discharged debt. I feel this is unfair to send me this form at the XX/XX/XXXX of XX/XX/2017. as I now owe the IRS, an addendum to my taxes. This notice should have been sent to me a lot earlier.
Company Response: Closed with explanation

Disputed: No Timely Response